银行业消费者权益保护是一个系统性、长期性的工作,需要立法执法机构、银行业监管部门、银行业金融机构、行业自律组织和社会公众齐心协力、持续改进,方能构建出一幅金融机构与消费者、金融与社会和谐“共生”的美好图景。近年来,随着支付、理财、融资、投资等种类繁多的银行业产品和服务走入千家万户,在为金融消费者带来便利的同时,消费者权益未得到有效保护的问题也引起了广泛关注。不可否认,误导销售、信息告知不充分不及时、个人信息滥用、服务 The protection of the rights and interests of consumers in the banking industry is a systematic and long-term endeavor that needs the concerted efforts of legislative and law enforcement agencies, banking regulatory authorities, banking financial institutions, industry self-regulatory organizations and the general public to continuously improve before they can construct a financial Institutions and consumers, financial and social harmony “symbiotic ” beautiful picture. In recent years, with the wide range of banking products and services such as payment, wealth management, financing and investment entering every household, the issue of consumers’ rights not being effectively protected while bringing convenience to financial consumers has also caused extensive attention. It is undeniable that misleading sales, information is not fully informed in time, abuse of personal information, services